Cedar Rapids Bank and Trust Company
Cedar Rapids, IA · Cert 57244 · Peer group: banks $1B-$10B in assets (n=313-319) · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 9 branches (37 in holding)
Q2 2026
$2.9BAssets
$2.0BLoans
$2.1BDeposits
$488.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks $1B-$10B in assets (rank 10 of 319).
- Widest gap: net charge-offs / loans trails 74% of banks $1B-$10B in assets (rank 232 of 313).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.70%
Rank 10 of 319
Net Interest Margin
3.11%
Rank 229 of 319
Efficiency Ratio
40.59%
Rank 22 of 319
Equity / Assets
16.86%
Rank 11 of 319
Non-interest income vs. expense
Unfavorable gap of $0.4M · efficiency ratio beats 93% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.70% | 0.91% | 1.21% | 1.53% | Beats 97% | 10 / 319 | |
| Return on Equity | 15.99% | 8.49% | 11.44% | 14.57% | Beats 85% | 49 / 319 | |
| Net Interest Margin | 3.11% | 3.06% | 3.43% | 3.81% | Beats 28% | 229 / 319 | |
| Efficiency Ratio | 40.59% | 51.90% | 59.57% | 67.64% | Beats 93% | 22 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.25% | 0.54% | 1.18% | Beats 50% | 159 / 313 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.04% | 0.12% | Beats 26% | 232 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 11.74% | 12.99% | 15.28% | Beats 52% | 152 / 319 | |
| Total Risk-Based Capital Ratio | 13.86% | 12.61% | 14.01% | 16.23% | Beats 47% | 168 / 319 | |
| Equity / Assets | 16.86% | 9.03% | 10.33% | 12.01% | Beats 97% | 11 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 96.95% | 76.76% | 88.16% | 95.43% | 79th pctl | 66 / 314 | |
| Loans / Assets | 69.37% | 65.79% | 74.05% | 79.84% | 34th pctl | 211 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |